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All Journal Velocity: Journal of Sharia Finance and Banking JISOS: Jurnal ilmu sosial Velocity: Journal of Sharia Finance and Banking
Fania Mutiara Savitri
UIN Walisongo
Religion Economics, Econometrics & Finance Social Sciences

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The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth Fania Mutiara Savitri; Asep Suraya Maulana; Atika Dyah Perwita; Saptana Saptana
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i2.4606

Abstract

A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartPLS 3.0 to run the data. Population in this research was all MSME’s actor in Semarang that put 100 samples contributing in this research by convenience technique. The finding of the research found Financial Literacy and Access to Sharia Finance affect performance, Financial Literacy affects Access to Sharia Finance and financial Literacy cannot be mediator for the relationship between Access to Sharia Finance to MSME’s growth.
PENGARUH PENGGUNAAN APLIKASI SAKPOLE DAN PENGETAHUAN PAJAK TERHADAP KEPATUHAN WAJIB PAJAK (STUDI KASUS WAJIB PAJAK KENDARAAN BERMOTOR KOTA SEMARANG) Fania Mutiara Savitri; Setyo Budi Hartono; Ariana Suryorini; Nila Nafisatulizza Alfirdaus
JISOS: JURNAL ILMU SOSIAL Vol. 1 No. 8: September 2022
Publisher : Bajang Institute

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Abstract

Tujuan dari penelitian ini adalah untuk meningkatkan penerimaan pajak kendaraan bermotor oleh pemerintah daerah Semarang. Variabel dari penelitian ini adalah aplikasi Sakpole, pengetahuan pajak, dan kepatuhan wajib pajak. Metode penelitian yang digunakan adalah metode penelitian kuantitatif dengan metode pengumpulan data melalui kuisioner. Sampe yang digunaka sebanyak 74 orang dengan berbagai macam demografi. Metode analisis data yang digunakan adalah uji instrumen, koefisiensi determinasi, dan uji hipotesis. Hasil dari penelitian ini menunjukkan bahwa penerimaan pajak kendaraan bermotor bisa ditingkatkan dengan adanya kepatuhan wajib pajak yang dipengaruhi oleh baiknya kualitas aplikasi Sakpole dan tingginya pengetahuan wajib pajak. Hal ini dibuktikan dengan adanya penelitian, bahwa aplikasi Sakpole dan pengetahuan pajak berpengaruh terhadap peningkatan kepatuhan wajib pajak. Semakin patuh wajib pajak dalam membayarkan an pajak, maka penerimaan pajak akan meningkat.
The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth Fania Mutiara Savitri; Asep Suraya Maulana; Atika Dyah Perwita; Saptana Saptana
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1080.658 KB) | DOI: 10.28918/velocity.v1i2.4606

Abstract

A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartPLS 3.0 to run the data. Population in this research was all MSME’s actor in Semarang that put 100 samples contributing in this research by convenience technique. The finding of the research found Financial Literacy and Access to Sharia Finance affect performance, Financial Literacy affects Access to Sharia Finance and financial Literacy cannot be mediator for the relationship between Access to Sharia Finance to MSME’s growth.
Co-Authors Ariana Suryorini Atika Dyah Perwita Maulana, Asep Suraya Nila Nafisatulizza Alfirdaus Saptana Saptana Setyo Budi Hartono